Password and OTP login are both methods of authentication used to verify a user's identity, but they differ in how they work and their level of security.
Password Login
- What it is: A password is a secret combination of letters, numbers, and symbols that a user creates and remembers to access an account.
- How it works: The user enters their password, and the system compares it to the stored password hash. If they match, the user is granted access.
- Security: Passwords are vulnerable to hacking and can be stolen through phishing attacks, brute-force attacks, or data breaches.
OTP Login
- What it is: An OTP (One-Time Password) is a unique code generated by a device or app that is valid for a short period of time.
- How it works: After entering a username or email address, the user receives an OTP via SMS, email, or an authenticator app. They then enter the OTP to verify their identity.
- Security: OTPs are more secure than passwords because they are valid only for a short time and are not stored on the server.
Key Differences
| Feature | Password Login | OTP Login |
|---|---|---|
| Security | Less secure | More secure |
| Convenience | Easier to use | Requires additional steps |
| Flexibility | Can be used on any device | Requires a specific device or app |
| Vulnerability | Susceptible to phishing attacks, brute-force attacks, and data breaches | Less susceptible to hacking, but can be vulnerable to SIM swapping or phone cloning |
Practical Examples
- Password Login: When you log in to your bank account online, you typically enter your username and password.
- OTP Login: When you use a mobile banking app, you may receive an OTP via SMS to verify your identity before accessing your account.
Conclusion
OTP login offers a higher level of security than password login due to the use of temporary codes. However, both methods have their own pros and cons, and the best choice depends on the specific application and security requirements.
